The credits gave us freedom to own those objects of which we also did not dare to dream earlier. Today, during an era of the credits, in principle, everything is available to all if only there was an opportunity to pay by installments. And here in it that and a hitch – when you take the credit, all your thoughts are directed to pleasure from the subsequent soon expenditure of the received sum, and to the first contribution it seems to you that everything goes very well. There comes date of payment – and you did not save money for repayment. Panic lendings of money at relatives and acquaintances begin, and so proceeds month after month. As a result, if you took one credit in the beginning and owed only bank, for a certain moment you already owe a number of persons, and do not see a payment exit with all. We congratulate, you became the credit slave.
But banks offer, apparently, such favorable terms that a sin not to take and not to buy on credit and as result, the most part of debtors, thinks not of joy of existence in a pocket of the treasured iPhone now, and of how to get rid of the credits.
Step 1 – maintaining the budget
Distribution of the family budget for the month ahead is important not only for those to whom care is modern how to repay the debt on the credit, but also, in principle, has to be the normal phenomenon for any other person. You take the sheet of paper and paint all necessary expenditure next month: municipal payments, payment of study of children, the most necessary purchases of seasonal things, the sum which you spend for food, etc. Do not forget to include in the list and the sum of a contribution and to proceed from it.
Step 2 – we lay off 10%
When, apparently, the storm under the name how quickly to get rid of the credits ceased, and money everything is distributed and spent (!), there are unforeseen expenditure. For example: the washing machine broke or it is even worse – the fridge in July. You spend money from the saved money for a contribution, as a result, when the day of reckoning comes again it will be necessary to borrow something at someone. In order that it did not occur, always lay off 10% of income for unforeseen expenditure.
Step 3 – we save
For example, concerns you how to get rid of a mortgage loan, the sum not from small. The first month of the conscious existence (maintaining the budget, postponement of money) observe strict economy – everything, it is possible to hold off purchase of what, rewrite on expenditure of the next month. Thus, in the first month you will manage to pay off easily with the credit, in the very first numbers. Further, having paid off, we begin to postpone for the following contribution and slowly we buy everything that it was necessary (over time need for purchase can disappear and acquisition can seem to you not expedient).
This first economic month will teach you easily, without taking a steam bath to postpone and pay in time.